Evertec Investor Presentation — February 2020

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Investor Presentation

Forward-looking Statements

Certain statements in this presentation constitute “forward-looking statements” within the meaning of, and subject to the protection of, the Private

Securities Litigation Reform Act of 1995. Such forward-looking statements involve known and unknown risks, uncertainties, and other factors that may

cause the actual results, performance or achievements of EVERTEC to be materially different from any future results, performance or achievements

expressed or implied by such forward-looking statements. Statements preceded by, followed by, or that otherwise include the words “believes,” “expects,”

“anticipates,” “intends,” “projects,” “estimates,” and “plans” and similar expressions of future or conditional verbs such as “will,” “should,” “would,” “may,”

and “could” are generally forward-looking in nature and not historical facts. Any statements that refer to expectations or other characterizations of future

events, circumstances or results are forward-looking statements. Various factors that could cause actual future results and other future events to differ

materially from those estimated by management include, but are not limited to: our reliance on our relationship with Popular for a significant portion of

revenue and to grow our merchant acquiring business; our ability to renew our client contracts on terms favorable to us, including our Master Services

Agreement (MSA) with Popular, and any significant concessions we may have to grant to Popular with respect to pricing or other key terms in anticipation

of the negotiation of the extension of the MSA, both in respect of the current term and any extension of the MSA; a potential government shutdown; a

continuation of the Government of Puerto Rico’s fiscal crisis; the effectiveness of our risk management procedures; our dependence on our processing